Property
IR Property
Buyer advocacy, shortlisting and negotiation for first-home buyers, investors, SMSF buyers, townhouse buyers and downsizers.
- IR Property · ABN 18 954 937 942
- Registered business name: IR Property Group
How it works
One conversation. One written plan. One team.
The integrated model isn't a marketing line — it's a sequence. Here's exactly what happens, in order, from the first call to the annual review.
The sequence
Five steps, scrolled through
Each step exists because skipping it costs money later. Scroll to follow the order.
01
One conversation
We start by understanding the whole picture — income, deposit, existing debts, tax position and what the property is actually for.
Step 1 of 5
- 01
One conversation
We start by understanding the whole picture — income, deposit, existing debts, tax position and what the property is actually for.
- 02
One plan, written down
You receive a short plan covering the structure, the borrowing position, the search brief and the timing. No jargon, no upsell.
- 03
Structure first
Your accountant confirms ownership and entity structure while your broker arranges pre-approval. Both before you make an offer.
- 04
Search and secure
We shortlist, inspect and negotiate. Contract review, building and pest, and finance conditions run in parallel rather than in sequence.
- 05
Settle and review
Settlement is coordinated, records are handed to your accountant, and the first annual review is booked before the year ends.
Settling day
One shared file
What changes when nobody has to hand you over
One point of contact
A single advisor coordinates the property, tax and lending conversations — you're not repeating yourself three times.
One shared file
Your broker sees the tax structure, your accountant sees the loan terms, and nothing gets lost in the handover.
Faster approvals
Accountant-prepared figures and lender-ready documents mean fewer requests, delays and re-submissions.
Tax-aware decisions
Structure is decided before the contract, when it can still change the outcome.
Why one roof
Three specialist businesses. One roof. One plan.
IR Property works alongside two sister businesses, GBS Accountants & Advisors for accounting and tax, and Next Step Financing for lending. Every part of your property decision is handled by a specialist in that field, working from the same plan.
Specialists, not generalists
Property buying, tax and lending are each a profession in their own right. Each is handled by a business that does only that, under its own registrations.
One conversation, one plan
Your buyer's advocate, accountant and broker share the same brief, so the purchase, the ownership structure and the loan are decided together rather than one after the other.
Clear accountability
Each business has its own ABN and holds its own licences and registrations, so you always know who is responsible for which part of the advice.
Fewer handovers
No re-explaining your situation to three offices. One introduction, one point of contact to start, and your documents only need to be gathered once.
Accounting & Advisory
GBS Accountants & Advisors
Tax, structuring, SMSF and business accounting from a registered tax agent practice, so the purchase is structured before you sign.
- GBS Accountants & Advisors Pty Ltd · ABN 21 602 221 830
- Registered Tax Agent 26377003
Financial Services
Next Step Financing
Home, investment, construction, SMSF, commercial and business loans, compared across a wide lender panel.
- Next Step Financing Pty Ltd · ABN 77 680 857 416
- Australian Credit Licence 384704
- Australian Credit Representative 563367
IR Property, GBS Accountants & Advisors Pty Ltd and Next Step Financing Pty Ltd are separate businesses. Each is responsible only for the services it provides under its own registrations and licences.
Real-world scenarios
Three buyers, three different sequences
The services don't always run in the same order — what stays constant is that all three are in the room. These scenarios are illustrative placeholders.
Priya & James — first home, Werribee
The challenge
Approved for less than they expected, uncertain about the grant, and looking at properties above their real budget.
What we did
- 1.Reviewed their deposit, genuine savings and first-home grant eligibility first.
- 2.Restructured the loan with a guarantor portion, lifting borrowing power without LMI.
- 3.Shortlisted townhouses within the revised budget and negotiated $18,000 below the quoted range.
Outcome
Settled in nine weeks with a 12% deposit, and their first return lodged with the depreciation schedule already in place.
Daniel — second investment property, Tarneit
The challenge
Wanted to buy again but his existing loan structure would have halved his borrowing capacity.
What we did
- 1.Cash flow and growth modelling on three suburbs before any inspection.
- 2.Ownership moved to a discretionary trust with the accountant and solicitor aligned.
- 3.Loan restructured with an offset against the owner-occupied debt while preserving equity.
Outcome
Purchased a $742,000 house and land package without selling or cross-collateralising the first property.
Margaret — SMSF acquisition, Ballarat
The challenge
Wanted commercial property inside her fund but the trust deed and liquidity position weren't ready.
What we did
- 1.Fund eligibility, deed amendments and investment strategy reviewed with her accountant.
- 2.Limited recourse borrowing arrangement and bare trust established with her solicitor.
- 3.SMSF-eligible commercial stock shortlisted and the lease reviewed before offer.
Outcome
Acquired a $1.1m leased industrial unit yielding 6.2%, with the audit trail documented from day one.
Start with a conversation
One free consultation. Three services. No obligation.
Tell us what you're trying to do and we'll tell you plainly whether property, accounting, finance — or all three — is the right starting point.
Property notes, once a month
Market movement across Melbourne and regional Victoria, tax changes worth knowing about, and lending shifts explained without the spin.